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Pashu Kisan Credit Card Yojana (PKCC)

pashu kisan credit card — (Source: pmmodischeme)

If you are willing to do animal husbandry, take advantage of the Pashu Kisan Credit Card scheme. The following piece explains every intricate detail about this government-backed scheme.

So, let’s begin!

What Is the Pashu Kisan Credit Card Scheme?

The Haryana Government launched the Pashu Kisan Credit Card (PKCC) Scheme to provide cattle farmers loans. To avail of the loan amount, animal owners need to have a Pashu Kisan Credit Card.

Haryana is the first state in India to implement this scheme. Initially, Pashu Kisan Credit Card was distributed among 101 in Bhiwani in Haryana. The government aims to provide a 10 lakhs card by March 2021.

What Are the Features & Objectives of the Pashu Kisan Credit Card Scheme?

The features of the PKCC scheme are discussed below -

Loan amount- Livestock owners, can get a maximum loan amount of up to ₹3 lakh. This scheme provides ₹40,783 for the cow, ₹60,249 for each buffalo, ₹4063 for goats and sheep. Further, the PKCC scheme provides ₹720 for chickens (for laying eggs). Further, no guarantee is required for a loan up to ₹1.6 lakh.
Instalment Pattern- Pashu Kisan Credit Card scheme offers loans to cattle farmers in 6 equal instalments.
Interest Rate-Banks or financial institutions usually offer loans at a 7% interest rate. However, under this scheme, livestock owners need to pay a 4% interest charge.
Rebate- Cattle-owners may get a rebate of 3% from the Central Government.
Repayment Period- This scheme comes with a repayment period of 5 years, meaning cattle-owners need to repay the loan amount with 5 years with the applicable interest charge.

The main objective of the Pashu Kisan Credit Card Scheme is mentioned below -

Assist farmers involved in animal husbandry.
Help grow their business across the nation.
Double the income of cattle farmers by 2022.

What Are the Eligibility Criteria for a Pashu Kisan Credit Card?

The eligibility criteria of Pashu Credit Card Yojana vary from one category to another as per the type of cattle farming. These include,

Poultry and Small Ruminant

Farmers
Joint Liability Groups
Self Help Groups (tenant farmers of poultry/pigs/ rabbit/ goats/ sheep/ birds/ who have owned/leased/ rented sheds)
Poultry farmers (individual or joint borrower)

Dairy

Farmers
Joint Liability Groups
Self Help Groups (tenant farmers having owned/leased sheds rented)
Dairy farmers (individual or joint borrower)

Fishery

Farmers (individual, groups, tenant farmers, partners, and sharecroppers)
Self Help Groups
Women groups
Joint Liability Groups

Note: Beneficiaries must lease or own any fisheries-related activities like rearing unit, tank, pond, raceway, open water bodies, and hatchery. They must have a licence for fish farming and fishing-related activities

Marine Fisheries

Fish Farmers (individual, partners, tenant farmers, groups, and sharecroppers)
Joint Liability Groups
Self Help Groups
Women groups

Note: Beneficiaries must lease or own a registered fishing vessel, registered boat. In addition, they must have a fishing licence. Further, they must have permission for fishing in the sea, estuary, and fish farming/mariculture activities in estuaries.

What Are the Documents Required for Pashu Kisan Credit Card?

Following is a list of all the important documents of the Pashu Credit Card Scheme -

Duly filled-in and signed-in application form of PKCC scheme.
Address proof copy (Aadhaar card, Voter ID, PAN card, driving license.)

Note: Applicants should submit address proof copy verifying their current address)

Identity proof copy (Aadhaar card, Voter ID, PAN card, driving license, etc.)
Land documents
Passport size photograph
Other documents (security PDC as requested by the issuing bank)
Animal health certificate.

Who Can Apply for a Pashu Kisan Credit Card?

Following is the list of individuals who can apply for the Pashu Kisan Yojana,

A resident of Haryana who is involved in cattle farming.
Individuals who have Kisan Credit Card.
Individuals belonging to weaker sections can apply for this scheme.

Now that cattle-owners know about the eligibility and important documents, we can move on to the section on the application process of the Pashu Kisan Credit Card Scheme.

How to Apply for a Pashu Kisan Credit Card?

To avail of the loan amount under the Pashu Kisan Credit Card scheme, you have to get the Pashu Kishan Credit card. Both the online and offline is discussed below,

Online Application for Pashu Kisan Credit Card Scheme

Step-1: Kisan credit card is available at any nationalised bank. Hence, visit the website of any nationalised bank.

Step-2: From the website, choose Kisan Credit Card and click on ‘Apply.’

Step-3: On the next page, fill in the Pashu Kisan Credit Card application form. Click on ‘Submit’.

Step-4: You will receive an application reference.

Note: Upon successful application, the concerned bank will contact you within 3-4 business days.

Apply for Pashu Kisan Credit Card Offline

Step-1: Eligible beneficiaries must visit the nearest bank to get the Pashu Kisan Credit Card under the Pashu Kisan Credit Card scheme.

Step-2: Collect the application form of Pashu Kisan Credit Card and fill it in with correct details.

Step-3: Complete KYC verification and submit the documents.

Here, cattle farmers will receive a credit card on the basis of the financial scale.

What Are the Benefits of the Pashu Kisan Credit Card Scheme?

The benefits of the Pashu Kisan Credit Card Scheme are as follows -

This scheme offers credit access up to ₹1.60 without any guarantee.
PKCC scheme helps individuals related to agricultural activities with post-harvest expenses.

Note: If individuals take a loan amount of more than 3 lakh, they will have to pay an interest rate of 12%. Further, they need to pay the interest amount within one year to receive the next amount.

The Pashu Kisan Credit Card scheme is one of the most innovative and promising schemes of the Government of India that focuses on livestock development and farmers. Banks should come forward in distributing the loan amount so that the influence of informal credit access gets reduced.

Read the details mentioned above carefully and increase your income by applying to the Pashu Kisan Credit Card scheme.

Frequently Asked Questions

✓ Which banks offer Pashu Kisan Credit cards?

Banks that offer Pashu Kisan Credit card includes HDFC Bank, Axis Bank, State Bank Of India, Punjab National Bank Bank Of Baroda, ICICI Bank etc.

✓ Has the Reserve Bank of India decided to extend services of the Pashu Kisan Credit Card?

Yes, the Reserve Bank of India has decided to extend the Pashu Kisan Credit Card services to continue covering the working capital needs of animal husbandry related services.

Other Important Government Schemes

Basava Vasati Yojana Scheme

Rashtriya Krishi Vikas Yojana (RKVY)

Rashtriya Kishor Swasthya Karyakram (RKSK)

Janani Shishu Suraksha Karyakaram (JSSK)

Agriculture Infrastructure Funds in India

National Mission on Oilseeds and Oil Palm (NMOOP)

National Scheme of Welfare of Fishermen

Ambedkar Social Innovation & Incubation Mission (ASIIM)

Dairy Entrepreneurship Development Scheme (DEDS)

National Skill Development Corporation (NSDC)

Pashu Kisan Credit Card Yojana (PKCC)

Affordable Rental Housing Complexes (ARHC) Scheme

National Digital Literacy Mission (NDLM)

Post Office Monthly Income Scheme (POMIS)

Senior Citizens Saving Scheme (SCSS)

What Is CBSE Single Girl Child Scholarship?

Tamil Nadu Housing Board (TNHB) Scheme

NTR Housing Scheme in Andhra Pradesh

West Bengal Housing Board Scheme

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Prime Minister’s Kisan Samman Nidhi Yojana

Pradhan Mantri Krishi Sinchai Yojana (PMKSY)

PM Kisan Maandhan Yojana Scheme

MHADA Lottery Scheme in Mumbai

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Pradhan Mantri Awas Yojana Gramin (PMAY-G)

Chief Minister Rajshree Yojana Scheme

Aapki Beti Hamari Beti Scheme

Chiranjeevi Yojana

Women Empowerment Schemes in India

Kisan Credit Card Scheme (KCC)

What Is PM SVANidhi Yojana?

Deen Dayal Upadhyaya Grameen Kaushalya Yojana (DDUGKY)

Pradhan Mantri Garib Kalyan Yojana (PMGKY)

Pradhan Mantri Annadata Aay Sanrakshan Abhiyan (PM AASHA)

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Unnat Bharat Abhiyan Scheme

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Samagra Shiksha Scheme

Pradhan Mantri Gram Sadak Yojana (PMGSY)

Heritage City Development and Augmentation Yojana

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Pradhan Mantri Jeevan Jyoti Bima Yojana

Start-up India Seed Fund Scheme (SISFS)

Beti Bachao Beti Padhao Yojana

Pradhan Mantri Vaya Vandana Yojana (PMVVY)

Sustainable Alternative Towards Affordable Transportation Scheme

Ayushman Sahakar Scheme

Production Linked Incentive (PLI) Scheme

PM Kusum Scheme

PM Kaushal Vikas Yojana

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Sovereign Gold Bond Schemes (SGB)

National Technical Textiles Mission (NTTM)

Skill India Mission

Stand-Up India Scheme

NIPUN Bharat Mission

Animal Husbandry Infrastructure Development Fund (AHIDF)

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